Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$549,958Cash toward the purchase price.
Closing costs + prepaids$16,313Not just lender fees.
Before credits & paid funds$566,271The complete starting cash picture.
Estimated remaining funds due at closing
$566,271No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$549,957.99
Your down payment$549,957.99
Closing costs + prepaids$16,313.26
Total buyer cash needed$566,271.26
Remaining funds due$566,271.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$7,879.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,190.21
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$267.25
Initial HOA (3 months)$30.00
Prepaid interest, first (31 days)$727.82
Fees + prepaids$16,313.26
Your down payment is the seller’s equity. You take over the $238,041 balance, so the rest of the $787,999 price is paid at closing. A second mortgage can cover part of it. $566,271.26 is due at closing. Uses and sources reconcile at $804,312.26 each. Not a Closing Disclosure.